AU Zenith Credit Card

AU Small Finance Bank · Open to apply

AU's premium rewards card below Zenith+. It pays 5 points per ₹100 on dining, groceries and international spends and 3 on everything else, with lounge visits that need ₹50,000 of spend a quarter. The ₹7,999 fee is waived on ₹5 lakh of yearly spend.

Annual fee
₹7,999 + GST a year
Joining fee
₹7,999 + GST
Fee waiver
Annual fee waived on ₹5,00,000 spend per card year
Base rate
Other retail spends, 3 points per ₹100: 3 AU reward points per ₹100 (about 0.6% at cash value)
Lounges
Domestic: 2 visits a calendar quarter after ₹50,000 spend; International: 2 visits a calendar quarter
Forex markup
3.49%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • Standalone restaurants, 5 points per ₹100 (up to 5,000 points a statement): 5 AU reward points per ₹100 (about 1% at cash value)
  • Groceries and departmental stores, 5 points per ₹100: 5 AU reward points per ₹100 (about 1% at cash value)
  • International spends, 5 points per ₹100: 5 AU reward points per ₹100 (about 1% at cash value)

Earns nothing on

  • No points on cash, rent, education, government, EMI, fuel and tolls
  • No points on railways (transportation)

Where the sources disagree

  • Fuel surcharge waiver cap: The page's headline says up to ₹100 and its detail text a maximum of ₹1,000 per statement cycle (the Zenith+ figure); the KFS and MITC say ₹100 for Zenith and ₹1,000 only for Zenith+. We use the KFS and MITC.

Terms the calculator does not value

  • Birthday benefit: 2,500 bonus points on one retail transaction on the cardholder's birthday, once a year (about ₹500 at ₹0.20 a point).
  • Local commute (MCC 4111) and BBPS bill payments earn no points but have no category here and are valued at the base rate.
  • The value of a point beyond gift cards (₹0.20 from the 2023 notice) is not stated; flights, hotels and merchandise may be worth more or less.

Sources

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